他们说，我再还五年的抵押贷款，就会成为一个更有可能申请到商业贷款的候选人。
They said that after five more years of paying my mortgage, then I will become a more viable candidate for a business loan.
毕竟，如果他们托欠了贷款，银行就会以更高的价格收回房子。
After all, if they defaulted on their loans, the Banks would repossess the house at a higher value.
一些人还对西班牙的制度称赞有加，它要求银行在景气良好的时期为损失提存额外的储备，这样当贷款变糟的时候，他们的利润以及自有资本的损失就会减少。
Some admire Spain’s system, which requires banks to make extra provision for losses in good times, so that when loans turn sour their profits and thus capital fall by less.
英国人比美国人更有可能实行浮动抵押贷款利率，因此他们就会从急剧下降的短期利率中大量获利。
Britons are much more likely to have variable-rate mortgages than Americans, so they have benefited more extensively from the sharp fall in short-term interest rates.
在每一波先前的买家浪潮褪去后，他们就会降低贷款门槛，降低银行利率，于是又有新的买家受诱惑进入房产市场。
As eachprevious surge of buyers diminished, the requirements were reduced, interestrates were lowered, and fresh buyers were lured into the market.
在佛罗里达州，住房按揭借贷人平均拖欠贷款518天就会被法院强制执行抵押房产拍卖，仅低于纽约的561天欠款期限。辨方律师还强调说，他们可以把欠款期限拖的更长。
In Florida, the average property spends 518 days in foreclosure, second only to New York's 561 days. Defense attorneys stress they can keep this number high.
这些银行了解他们客户的生意，一旦他们出现过度贷款的情况，银行就会停止继续贷款。
Such bankers understand their clients' businesses and steer them away from excessive debt.
一些人还对西班牙的制度称赞有加，它要求银行在景气良好的时期为损失提存额外的储备，这样当贷款变糟的时候，他们的利润以及自有资本的损失就会减少。
Some admire Spain's system, which requires banks to make extra provision for losses in good times, so that when loans turn sour their profits and thus capital fall by less.
现在，借款公司在想尽办法收回透支贷款，但是很多逾期者根本不愿偿还，因为他们相信只要长期撑下去，他们的债务就会被一笔勾销。
Now, lenders are struggling to retrieve their advances but many defaulters are reluctant to pay because they believe their debts will be written off if they hold out long enough.
如果你不能支付安全的贷款，他们就会拿走任何可以保证贷款安全的东西。
If you do not pay a secured loan, they will take away whatever secured the loan.
这并不意味着他们将来就会按时清偿贷款，但的确，特别是在无重大变化发生时，如失业或者重大疾病等，清偿的可能性会比较高。
It doesn't mean they will pay our loan on time but it does increase the likelihood, especially if no major changes take place like job loss or major illness, etc.
如果他们没能及时偿还或者无法偿还贷款，那么相应记录就会出现在你的信用报告里、危害到你的信用评分。
If they miss a payment or can no longer pay, it will show up on your credit report and can devastate your credit score.
一旦他们被放任去抬高利率，储蓄利率将会飞速攀升，而银行就会承载着更大风险，尤其对于储蓄贷款协会。
Once they freed up interest rates, interest rates on deposits started soaring and Banks started taking greater risks, particularly Savings and Loans.
一旦他们被放任去抬高利率，储蓄利率将会飞速攀升，而银行就会承载着更大风险，尤其对于储蓄贷款协会。
Once they freed up interest rates, interest rates on deposits started soaring and Banks started taking greater risks, particularly Savings and Loans.
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